The insurers and health plans offered on the Illinois health insurance marketplace will vary depending on the county where you reside. To help you find the best cheap health insurance policy for your family, we analyzed all plans in the state and identified the most affordable option in every county. Below, you can check out sample monthly rates for each of the health plans.
The Hill-Burton program, while limited in scope, provides funds to hospitals and other health care facilities in exchange for their provision of a specified amount of free or reduced cost health care to low-income people. To find out if you qualify for Hill-Burton assistance you must apply at the admissions or business office at a Hill-Burton facility. Also see the directory of Hill-Burton facilities (HRSA).
If you are uninsured and are not eligible for Medi-Cal or a plan through Covered California, you may qualify for limited health services offered by your county. These programs are not insurance plans and do not provide full coverage. County health programs are commonly known as “county indigent health” or programs “medically indigent adult” programs.
Blue Cross Blue Shield Association is an association of independent Blue Cross and Blue Shield companies. Blue Cross Blue Shield Association is not a health insurance company and does not sell health insurance. Blue Cross Blue Shield health insurance is provided by your local, independent Blue Cross and Blue Shield companies and is marketed through authorized State Farm agents. Neither State Farm Mutual Automobile Insurance Company nor any of its subsidiaries or affiliates are financially responsible for these products.
Review the deductible, copayment and co-insurance amounts. The deductible is the amount you pay each year for covered benefits before the health plan pays anything (except for preventive care). The copayment is the fee you pay for each office visit. Not all health plans have co-payments. Co-insurance is the percentage of covered health care costs you pay after you have met the deductible.
The Affordable Care Act (ACA) has made it easier for more people to get health insurance. If you don’t have health coverage through your employer, there are several ways to shop for health insurance. Health coverage can be purchased from an agent, an insurance company or the Health Insurance Marketplace. You may also qualify for Medicaid or Medicare.
If your spouse has job-based health insurance, you may be eligible for the same coverage. Many employers extend the offer of job-based health insurance to their employees’ spouses, children, and step-children. You must sign up for this coverage during the initial enrollment period when your spouse first gets his or her job. If you miss this opportunity, you’ll have another opportunity during each annual open enrollment period.
HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency in all 50 states and DC. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in a health plan. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.
Prices are fixed by law, so you will not find better prices for the same plan anywhere else. But comparing your options might help you find low-cost health insurance. You can shop around online and use free quotes from eHealth to find providers that offer high-quality, low-cost individual and family health insurance plans. Seeing all your options could make finding low-cost health insurance easier.